Terms & Policies

1. Acceptance of Terms

BuilderBooks.ai ("the Service") is operated by Builders of AI, LLC, doing business as BuilderBooks.ai ("BuilderBooks.ai," "we," or "us"). By creating an account or using the Service, you agree to these Terms & Policies. If you don't agree, please don't use the Service.

2. Description of Service

BuilderBooks.ai is a software-as-a-service tool that converts uploaded bank statements into financial reports (Profit & Loss, Balance Sheet, General Ledger) for businesses, accounting firms, and bookkeepers.

3. AI-Assisted Processing; Not Professional Advice

BuilderBooks.ai uses artificial intelligence (Anthropic's Claude) to automatically classify and categorize financial transactions. AI-generated classifications are a starting point, not a substitute for professional judgment -- the Service includes an "Ask My Accountant" review step specifically so a qualified person can confirm or correct any uncertain classification before a final report is generated. You are responsible for reviewing generated reports for accuracy before relying on them.

The Service provides bookkeeping assistance only. It does not provide accounting, tax, legal, or audit advice, and using the Service does not create an accountant-client or any other professional relationship between you and BuilderBooks.ai, Builders of AI, LLC, or its owners. For advice about your specific situation, consult a qualified professional.

4. Your Responsibilities

• You may only upload bank statements and financial information that you own or are authorized to use. If you are an accounting firm or bookkeeper uploading statements on behalf of your clients, you are responsible for having your clients' permission to do so.
• You are responsible for keeping your login credentials secure and for all activity under your account. Notify us promptly at info@builderbooks.ai if you suspect unauthorized access.
• You agree not to misuse the Service, including attempting to access other customers' data, interfering with the Service's operation, or using automated tools to overload it.

5. Third-Party Services

Providing the Service relies on several third-party providers, including but not limited to: Anthropic (AI processing), Stripe (payment processing), Supabase (data storage and authentication), Make.com (workflow automation), Vercel (hosting), and Resend (email delivery). Your use of the Service is also subject to the applicable terms of these providers where relevant.

6. Subscription, Billing, and Renewal

• Plans are billed monthly and renew automatically each month unless canceled.
• The initial purchase price covers your first billing cycle; the recurring monthly price applies starting the following cycle.
• Each plan includes a set number of transactions per billing cycle. Once they are used, new uploads are paused until you purchase an additional block of 100 transactions (charged at the time of purchase) or your next billing cycle begins.
• To protect the Service, uploads are limited to 20 statements per organization within any 10-minute period.
• Cancellation: you may cancel at any time. Canceling stops future renewals, but you retain full access through the end of the billing cycle you've already paid for. No refunds or credits are provided for the unused portion of a current cycle.
• Plan changes: upgrading to a higher plan charges the price difference and applies a prorated adjustment to your next invoice. Downgrading to a lower plan takes effect immediately with no refund or credit for the difference.

7. Data and Privacy

• What we collect: account information (such as your name, email address, and organization and client names), the bank statements you upload and the transactions extracted from them, the reports generated for you, and usage and billing records. Payment card details are collected and stored by Stripe; we do not store full card numbers.
• How we use it: only to provide, maintain, and support the Service and to bill for it. We do not sell your data or use it for advertising.
• Who processes it: the third-party providers listed in Section 5, only as needed to provide the Service. Uploaded statements are sent to Anthropic for transaction classification. Our workflow automation provider (Make.com) keeps logs of each processing run, which may include statement data, for up to 30 days, after which they are deleted automatically.
• Retention and deletion: we keep your uploaded statements and generated reports while your account is active so you can access them. You may request deletion of your account and data at any time by emailing info@builderbooks.ai. We will delete it, except for records we are required to keep (such as billing records) and provider logs that expire on their own schedule as described above.
• Security: we take reasonable measures to protect your data, including encryption and access controls provided by our infrastructure providers, separation of each organization's data, password strength requirements, and limits on repeated login and upload attempts.

However, BuilderBooks.ai and Builders of AI, LLC are not liable for any loss, theft, corruption, or unauthorized access to your data, whether caused by us, a third-party service provider, or factors outside our reasonable control. You are responsible for maintaining your own backups of any critical financial records and for safeguarding your account login credentials.

8. Limitation of Liability

To the fullest extent permitted by law, Builders of AI, LLC and BuilderBooks.ai shall not be liable for any indirect, incidental, special, or consequential damages, including but not limited to loss of data, loss of profits, or business interruption, arising from your use of the Service.

9. Account Termination

We may suspend or terminate accounts that violate these terms, engage in abusive behavior, or fail to pay applicable fees.

10. Changes to These Terms

We may update these Terms from time to time. Continued use of the Service after changes take effect constitutes acceptance of the updated Terms.

11. Governing Law

These Terms are governed by the laws of the State of Georgia, without regard to conflict-of-law principles.

12. Contact

Questions about these Terms can be sent to info@builderbooks.ai.